FREQUENTLY ASKED QUESTIONS

Medicaid is a state-run, income-based health insurance program, while ACA plans are available to a wider range of incomes through healthcare.gov. We help you determine which you're eligible for.

Yes. We offer standalone dental insurance plans that don’t require a medical policy. You can purchase dental separately for routine and major procedures.

Yes. Individuals with disabilities may qualify for Medicare, Medicaid, or special needs plans. We help navigate eligibility and enrollment options.

A grace period is a time (usually 30 days) after a missed payment when you can still pay and keep your coverage active without cancellation.

If your income increases or decreases, it may affect your subsidy eligibility. We help update your information and avoid unexpected tax liabilities.

Yes, in some cases. Medicaid can act as secondary coverage, reducing your out-of-pocket costs if you already have another plan.

We check provider directories from each insurance company to confirm if your preferred doctor or specialist is in-network with a specific plan.

ACA plans come in four tiers:

• Bronze (lowest premium, highest out-of-pocket)

• Silver (best value for subsidies)

• Gold (low out-of-pocket)

• Platinum (highest premium, lowest out-of-pocket)

Yes, all ACA-compliant plans must cover emergency room care, regardless of network status. However, costs may vary.

Most providers handle this directly, but if you go out-of-network, we guide you through submitting claims manually to your insurer.

Yes. Most modern health plans now include telehealth services, including urgent care, primary care, and mental health support.

Yes. If you’re newly eligible for Medicare, we help you transition from ACA or private plans to the right Medicare coverage.

SNPs are Medicare Advantage plans for people with specific chronic conditions or disabilities. We’ll see if you qualify for one in Florida.

Yes. Based on income and household size, you may qualify for $0 premium plans through the ACA marketplace or Medicaid.

Most plans are region-based, meaning you're covered within a state or service area. We help you choose a plan that fits your travel or living situation.

Yes, many plans cover second medical opinions, especially for surgeries or serious diagnoses. We confirm your plan's policy on this.

While plans may automatically renew, we recommend reviewing your plan annually during Open Enrollment to check for better benefits or lower costs.

If your insurer withdraws your plan, you’ll receive a notice and qualify for a Special Enrollment Period. We help you find a replacement quickly.

We compare formulary lists and help ensure the medications you take are included in the plan you choose — especially for ongoing treatments.

Yes. We customize plans for married or domestic partners, including options with shared deductibles or bundled premiums.